. it is brought to you courtesy of obama care. it is basically a nutrition-packed label for health insurance, where every plan has to lay out their features in a standard way. you can compare them side by side, so you can really see what you're buying. >> right, i just want to clarify, when you talk about this worse case scenario, you're not saying -- i mean the idea of prevention, having the adequate care for that as well, you want it to be part of your plan. >> well, all the health care plans have to cover that. so that is not a problem. you want to have the shots, that is per visit. and the real money in health care, the real expenses come if you get hit by a bus or get cancer or have a medical catastrophe, so what we advise is, take this, multiply it by 12, and look for the number on the first page of it, called an annual out-of-pocket limit. this is the most you will have to spend a year on things like deductibles, co-pays and insurance. and it can add up fast if you get really sick. so you want to add that out-of-pocket limit, to determine how much you will spend on premiums that year.